Discover the New 2026 Auto Insurance Discounts Available for Costco Members

Looking for auto insurance savings in 2026? Discover how Costco is offering exclusive discounts for members, potentially lowering premiums. While outcomes can vary, membership might unlock special rates, making it an attractive option to consider.

Sydney Blunt

11 Sep 2026 • 3 min read

Understanding Costco’s Auto Insurance Discounts for Members in 2026

In 2026, Costco has rolled out a new perk for its US-based members: exclusive discounts on auto insurance. This offering has struck a chord with hundreds of thousands of Costco members who are eager to save on insurance premiums while shopping for their weekly groceries. But what exactly does this deal entail, and how does it benefit members? Let's dive into the details.

What Exactly Are the Discounts on Offer?

Costco has partnered with CONNECT, powered by American Family Insurance, to provide a range of auto insurance discounts exclusively for its members. These discounts vary based on several factors, including the member’s location, driving history, and the specific vehicle insured. Generally speaking, members can expect discounts of up to 10% on their auto insurance premiums. However, percentages and eligibility will vary, so it’s a good idea to contact CONNECT to get a personalized quote.

Personalized Coverage: Members can tailor their auto insurance policies to fit their individual needs, which ensures maximum savings.
Bundle Discounts: Additional savings are available when members bundle their auto insurance with other types of insurance, such as home or renters insurance.
Safe-Driving Incentives: Members with a clean driving record can potentially receive additional discounts, encouraging safe driving habits.

Who is Eligible for Costco’s Auto Insurance Discounts?

The discounts are available to Costco members who purchase their policy through CONNECT. The service is accessible to both Executive and Gold Star members, which means Costco’s extensive member base in the US could potentially benefit. To qualify, members will need to provide their Costco membership details when seeking a quote or purchasing a policy.

How Does This Compare to Other Insurance Providers?

The decision to leverage Costco membership for insurance savings can be advantageous, but it’s essential to compare these offerings against other insurance providers:

Competitive Rates: According to Insurance Information Institute’s 2026 reports, the average cost of auto insurance in the US ranges from $900 to $1,200 annually depending on the state. Costco’s discounted rates make it a cost-effective option for qualifying members.
An Established Network: With American Family Insurance, members gain access to a network of established professionals and services, ensuring comprehensive coverage and support.

However, it's crucial to shop around and compare not only the costs but also the coverage options and benefits offered by different providers.

Steps to Accessing Costco Auto Insurance Discounts

If you’re a Costco member eager to take advantage of these discounts, here’s a step-by-step guide:

Check Membership Status: Ensure your Costco membership is active—both Gold Star and Executive members are eligible.
Get a Quote: Visit the Costco Insurance website or call CONNECT directly at their toll-free number to receive a personalized quote.
Provide Details: Share your driving history, vehicle details, and current insurance documentation to receive a detailed comparison.
Review and Purchase: Compare the quote from CONNECT to your current policy and make the switch if the savings and policy terms meet your needs.

Understanding the Broader Impact: Why Auto Insurance Discounts Matter in 2026

In 2026, the auto insurance landscape is shifting, with increasing costs due to factors such as inflation, higher transportation costs, and evolving vehicle technologies. Here are some reasons why such discounts are significant:

Rising Costs: A survey by J.D. Power in 2026 indicates that auto insurance premiums have risen by 3% on average due to increased repair costs and vehicle part prices.
Economic Uncertainty: With ongoing economic fluctuations, households are keen to find ways to reduce monthly expenses, with many seeking budget-friendly decisions like discounted insurance offerings.

Conclusion: The Value of Costco’s Membership Benefits

Costco’s auto insurance discounts represent a valuable extension of their member benefits, linking insurance savings to the brand’s established reputation for value. While the decision to opt for such an offer should be informed by careful comparison of coverage options, it undoubtedly stands as a compelling option against the backdrop of rising insurance costs in 2026.

Ultimately, Costco members should consider their unique needs, driving habits, and budget when evaluating this opportunity. It’s also advisable to regularly review insurance policies to ensure continued alignment with personal financial and coverage goals.

For more information on Costco’s auto insurance discounts, visit the official CONNECT by American Family Insurance website or call their customer service line.

https://www.costco.com/f/-/auto-home-insurance-services/?utm_source=chatgpt.com